. >> this is a tough environment, our business customers are lookinr guidance, we're advising rlly clients across u.s. to take a look at their plan, and health savings accounts and tighten the belts in oth areas. neil:ow do you absorb, walmart refutes the figures. bottom line they were going up for workers. this is a trend, i would imagine it speeds up. >> supposedly national trend is 8 to 9% rise in health prem young cost, it be be a shared cost, a cost thatusiness absorbs or a cost down to the worker. neil: in walmart saying, we pay the 4.5%, they pay 4.5%, bottom line it is aot. >> at the end of the day, this is what u.s. citizens elected. neil: unstoppable? >> health insurance premiums will continue to rise, business owners must look at other ws to cut their costsonless they s. gary: unless they don't, they have no choice, they offer health care coverage, or if they don't they pay penalty, just suck up the penalty, and deal with it. >> or they can reduce workforce, and go to health savings ac count. neil: that is what darden tried, a little bit more you know, agility for that. but not